@GaBkkpr 

you can't upload transactions from bank or credit card any longer

If you don't use any add-ons (e.g QB Payroll, QB Payment), you can keep using 2021 for good.

The potential problem is the bank feed feature after May 2024. You can download .qbo files from your bank BUT you can't import directly into your QB Desktop. If your bank provides *.csv files, you will need to use a 3rd party tool to import it into QB Desktop. It's a $199 one time license and you can get $100 cashback to purchase the license from a partner.
https://get.transactionpro.com/qbd

If you prefer to use the bank feed feature with QB Desktop with a non subscription license, you should contact @Fiat Lux - ASIA for details.